Long haul trucks
By Wallace L. Clapp, Jr., CPCU
Liability and physical damage on commercial autos of various types of miscellaneous business classifications are often more difficult to place than the standard business auto and delivery vehicles. Examples of these are beer trucks, agricultural vehicles, carpet services, caterers, contractors, fish and seafood haulers, food and frozen food delivery, fuel oil dealers, ice cream vendors, messenger services, non-emergency municipal vehicles, newspaper deliveries, pizza delivery, road equipment, snow removal and street cleaners.
Limits for liability generally are available up to $1 million. Physical damage limits vary with each underwriter but usually are $100,000 or higher for a single unit and up to $250,000 for combination tractors and trailers. Deductible options run from $250 to $10,000. Motor truck cargo is written for limits of $100,000 or higher depending on the commodity hauled. Liability rates are based on commercial vehicle classifications, territories, distance of radius, age, experience and record of drivers. Physical damage rates are flat rates based on actual cash value or stated value of the equipment. Most underwriters provide PUC, ICC and MS-90 filings where needed. Some trucking specialists also provide truckers workers compensation and truckers occupational accident coverages.
Long haul trucks
Long haul trucking operations are distinguished from other trucking activities by the radius of operations of the company or individual unit. Long haul usually means a radius from the garaging area of 300 miles or more. Liability, physical damage, bobtail/deadhead (non-trucking) liability, motor truck cargo coverages are available through insurers and managing underwriters specializing in commercial trucking risks.
Long haul operators carry freight over the roads in tractor-trailer units having high-load capacities. Fleet operations (5 or more trucks) are distinguished from non-fleet operators for rating purposes. Long haul risks are rated on a zone basis to register the operator's principal garaging area and zone traveled to farthest away from that point. Trailer interchange agreements may be covered.
Motor truck cargo
Most specialty underwriters offering commercial auto and truck coverages also write motor truck cargo insurance. This insurance covers the commodity being hauled for all risks of loss. Low-limit cargos are written rather freely for short and intermediate hauls. Today, with larger trucks carrying more expensive merchandise and hazardous cargo over long distances, the coverage is much more closely underwritten. Commodities often excluded, except in special cases, include: highly-valued breeding animals; bullion, money, precious metals, securities, fine arts and jewelry; cotton; eggs in shells; explosives; mobile homes; hazardous material haulers; race horses and show animals.
Coverage is generally written for the value of the cargo. Limits above $250,000 or $500,000 are submitted to underwriters or shared by several insurers in an agency.
The following is a directory of insurers, managing general agents, excess and surplus lines brokers who have replied to our survey of markets writing commercial autos and trucking risks.
Adriatic Insurance Co., 3501 N. Causeway Blvd., Ste. 1000, Metairie, LA 70002; (504) 838-8100; WATS 800-535-7291; FAX: 504-832-0605 (Joseph E. Taylor, president). This insurer writes all types of trucking risks. Physical damage coverage with limits of all values for tractors; combination tractor-trailer, $130,000. Does not write liability. Motor truck cargo limits to $100,000 per conveyance. No underwriting restrictions. Operates in all states except CO, DE, NV, NM, ND and all states north of NY.
All Risks, Ltd., 1020 Cromwell Bridge Rd., Towson, MD 21286-3396; (410) 828-5810; FAX 410-828-8179 (Kelly McGovern). This managing general agent writes all types of trucking risks. Liability and physical damage coverage is unlimited. Motor truck cargo coverage limits also are unlimited.
The firm services agents in AZ, DE, DC, MD, NV, NC, OH, PA and VA. Companies represented include: British companies, Canal, Carolina Casualty, First State, National Casualty, National Indemnity and Northland.
Baldwin Sadler Corp., 2700 Van Buren Ave., P.O. Box 7012, Audubon, PA 19407-7012; (610) 650-9100; 800-227-9040; FAX 610-650-9300 (Robert A. Baldwin, III). This national underwriting manager writes truck fleets, independent owner operator units, public autos, limos/airport vans, light commercial autos, substandard trucks, and truckers workers compensation for commercial and public autos. For most programs liability limits go to $1 million combined single limits. Physical damage limits are up to $250,000 any one vehicle; $1,500,000 per occurrence. Limo/airport van liability limits are $1,500,000. Workers comp limits are state statutory limits including employers liability up to $1 million. Motor truck cargo limits are available for $250,000 any one vehicle, $1 million any one loss.
For commercial auto, coverage is available for local, intermediate and long haul radius. MCS-90 and PUC/ICC filings are available in all states. Deductibles available for motor truck cargo (in transit) are $250 minimum and options for $500; $1,000; $2,500; $5,000; and $10,000. Deductible options for physical damage are $1,000; $2,500; $5,000 and greater. Bobtail/deadhead liability up to $1 million is available under the truck owner operators program.
The large fleet liability program is written by Greenwich Insurance Co. (A+) in all states except AK, HI and MA. The small fleet program is written in all states except AK, HI, MA and WA. The motor truck cargo and limo/airport van programs are written by Greenwich Insurance Co. in all states except AK, HI, SC and WA. The independent owner operator program is written in all states except AK and HI. Physical damage program is written in all states except AK, HI, MA. The truckers workers comp program is written by an A-rated carrier in all states except AK, FL, GA, HI, ME, NV, ND, OH, WA, WV and WY.
The light commercial auto program is written by Greenwich Insurance Co. in all states except AK, HI, MA, SC, TX and WA. This program is designed for certain commercial classes otherwise excluded due to the size of the vehicle or business class. A transportation BOP program is available to cover real and personal property, optional coverages and general liability in conjunction with the truck/public auto fleet liability and physical damage coverages. The underwriter is a Best A++ rated carrier, and it is available in all states except AK, FL, HI, MT, NE and OK.
Burns & Wilcox Ltd., 30833 Northwestern Hwy., Farmington Hills, MI 48334; (810) 932-9000; 800-521-1918; FAX 810-932-9046 (Steve Allen, CPCU). This national underwriting manager writes all types of trucking, but the coverage features vary per branch and territory. Liability limits are available to $1 million with excess liability available for $9 million, excess of $1 million. Physical damage is written on single units and fleets. Motor truck cargo limits are written to $500,000. The firm serves all states except HI, ME and NY. Companies represented vary per branch but include Canal, Acceptance, National Casualty, Carolina Casualty, First State, National Indemnity, GAINSCO, Empire Fire & Marine, Reliance, Lloyd's, Guaranty National, Stratford and Essex.
Carnegie Insurance Service Corp., 17700 Broadway, Cleveland, OH 44146; (216) 439-5555; 800-362-2411; FAX 216-439-5551 (Mark Salsgiver, vice president). This managing general agency writes local and intermediate trucking risks for primary liability and physical damage coverage, and long haul risks for non-trucking and physical damage coverages. Motor truck cargo also is available.
Liability limits are available to $5 million CSL; no restriction on physical damage; motor truck cargo limits are available to $100,000. The agency services agents in IL, IN and OH on an admitted and nonadmitted basis. It operates as a managing general agent for Empire Fire & Marine, MGA Insurance Co., GAINSCO and Century Surety Co.
Carolina Casualty Insurance Co., P.O. Box 2575, Jacksonville, FL 32203; (904) 363-0900; 800-874-8053; FAX 904-363-8093 (Barbara Murray). This specialty insurer writes all types of trucking risks. The underwriters don't like hazardous materials transports, sand and gravel haulers, loggers and pulpwood.
Liability limits are available up to $1 million or higher; physical damage is unlimited; and motor truck cargo limits vary according to the commodity. The company operates in all states except MA and NJ.
Columbia Underwriters, Inc., 101 Trade Zone Dr., Ste. 3A, W. Columbia, SC 29170-3913; (803) 822-8522; 800-476-4553; FAX 803-822-8515 (Joanne Fineberg, president). This facility writes truck liability, physical damage and motor truck cargo insurance with limits of $1 million combined single limits for liability; $100,000 any one tractor or trailer/$300,000 any one loss for physical damage; and $100,000 any one unit/$200,000 any one loss for motor truck cargo. General liability is written for $1 million CSL per occurrence, $1 million CSL aggregate. Trailer interchange limits are $40,000 per trailer.
Carriers represented by Columbia Underwriters are Carolina Casualty Co. for truck and general liability, physical damage and motor truck cargo in GA, NC and SC; Reliance Insurance Co. of IL for physical damage (nonadmitted) in GA, NC and SC; and First State Management Group (Twin City Fire and Pacific Insurance Co.) for truck liability and physical damage insurance in SC.
Delaware Valley Underwriting Agency, Inc., 420 S. York Rd., Hatboro, PA 19040; (215) 443-3500; FAX 215-443-0379 (William Garofalo, CPCU, ARM, V.P. Transportation). Writes local, intermediate and long haul trucks and commercial autos. Liability and physical damage can be written on an unlimited basis. Motor truck cargo is available for any limit. The company serves agents in DE, MD, NJ, NY, PA and VA from its Hatboro branch office and MD, OH, VA and WV from its Hurricane, WV branch. Underwriters include the following: National Casualty, Great Divide, Travelers Specialty, First States, Acceptance, AIG, American Re Managers, Calvert, Canal, Essex, GAINSCO, General Star, Great American, Guaranty National, Interstate, Kodiak, Lancer, Lexington, Lloyd's, National Indemnity, Reliance, St. Paul, United National, U.S. Liability and Zurich.
Eastern Shore Corp., 122 Chambersburg St., P.O. Box 4805, Gettysburg, PA 17325-4805; (717) 334-7154; 800-451-2078; FAX 717-334-2745 (Kathy Landrigan, president). This managing general agent writes any type of truck for owner operators or fleets of any size. Coverages written are truck liability, physical damage, non-trucking liability, motor truck cargo, workers comp, commercial property and general liability and umbrellas.
Liability limits for trucks are up to $1 million. Umbrella limits may be arranged to $10 million. The facilities are available in AL, DE, MD, PA, VA (physical damage and motor truck cargo only), and WV (physical damage, non-trucking liability and motor truck cargo).
The firm represents the following companies: Lincoln General, Windsor Mt. Joy Mutual, Empire Fire and Marine, Utica National, MOAC and Zurich-American.
Environmental & Commercial Insurance Agency, Inc., 2400 Corporate Exchange Dr., Ste. 270, Columbus, OH 43231; (614) 891-3200; 800-878-3242; FAX 614-891-5757 (Susan Crites, marketing manager). This specialty underwriter writes local, intermediate and long haul trucking risks for hazardous materials haulers. Liability limits are available up to $5 million; physical damage (stated amount) for maximum value of $250,000 per vehicle. Pollution coverage is available as well as MCS-90 endorsements. A monoline transportation pollution liability policy also is written with a minimum deductible of $10,000. Coverage is available in all states except AK, CT, HI, ME, MA and NY. ECI is the managing underwriter for multi-company insurance groups.
Equity Insurance Managers, Inc., 220 Lexington Green Cir., Ste. 600, P.O. Box 14032, Lexington, KY 40512; (606) 245-2500; 800-432-9348; FAX 606-245-2550 (William W. Davis, Jr., CEO). This managing general agent writes local, intermediate and long haul trucks for liability limits of $1 million and physical damage limits of $150,000 per unit. Motor truck cargo also is written up to $150,000 per unit.
Coverages are available in IL, IN, KY, OH, TN and WV. The following insurers are represented in this office: Canal, Acceptance, Colonia, National Casualty, Calvert, Great American, First State Transportation and Lloyd's.
First Western Insurance, Inc., P.O. Box 65660, W. Des Moines, IA 50265-0660; (515) 225-6066; 800-475-1000; FAX 515-225-3872 (Dick Watt). This managing general agency writes all types of trucking risks from pickup trucks to long haul tractor/trailers.
Liability limits are available up to $1 million or higher. Excess to $5 million when required. Physical damage limits to $150,000 tractor and trailer combined; motor truck cargo limits to $150,000. The firm services agents in IL, IA, MN, MO, NE, and SD. Underwriters used are Acceptance (200 mile radius), Canal, Empire Fire & Marine (300 miles), Jefferson Insurance Co. of NY (300 miles), Stratford (500 miles) and Travelers.
GMI-ARIA, P.O. Box 701, Valley Forge, PA 19482; (610) 933-4679; 800-722-3229; FAX 610-933-4993 (Karen Trudel). Insures auto and truck rental fleets of five units or more for local U-haul trucks. Limit of 45,000 lbs. per vehicle. Drivers with commercial licenses are ineligible. Limits for liability are up to $5 million. Physical damage limits available to value of vehicle; deductible $1,000. Serves agents in all states except HI. Underwriter is Clarendon National.
The GAINSCO Companies, 500 Commerce St., P.O. Box 2933 Fort Worth, TX 76113-2933; (817) 336-2500; 800-438-4246; FAX 817-335-1230. URL www.gainsco.com (Brian Schwarzbach). This insurer writes local, intermediate and long haul truck risks with liability limits up to $1 million CSL and physical damage limits of $50,000 on private passenger units, and all other $100,000 per vehicle or combined tractor/trailer unit, or $250,000 aggregate values at one garaging or terminal location. No motor truck cargo coverage is offered.
The company services general agents in 48 states. The company appoints managing general agents who write in General Agents Insurance Co. of America, Inc., MGA Insurance Co., or GAINSCO County Mutual Insurance Co.
Global Facilities, Inc., P.O. Box 743, Lynbrook, NY 11563; (516) 599-3800; FAX 516-599-3930 (Robert Shapiro). This agency writes local, intermediate, service and manufacturing trucking risks. Liability limits are available to $1 million; physical damage limits to $250,000 per common carrier. Motor truck cargo also is available. Services agents and brokers in NY.
Russell Grace Inc., 2304 W. Seventh St., Ft. Worth, TX 76107-2396; (817) 332-9268; 800-747-GRACE (TX); FAX 817-332-4607 (Robert W. Grace, CPCU, CIC). This excess and surplus lines broker writes local, intermediate, up to 1,000 mile radius trucking risks. All classes are considered except chemical haulers, hazardous materials, repossession operations, explosives. Can write auto wreckers, gasoline haulers, taxis, artisans, public autos, logging, cattle haulers, delivery buses, dump trucks and limos. Liability and physical damage primary limits available up to $1 million. Motor truck cargo coverage is available.
The firm services only TX-approved producers. Russell Grace is a managing general agent for GAINSCO County Mutual, Consumers County Mutual, Southern County Mutual, and Lloyd's for physical damage.
Insurance Marketplace, Inc., P.O. Box 6427, Lincoln, NE 68506; (402) 483-2823; 800-742-7300; FAX 402-483-7239 (Opal Wulf, president). This excess and surplus lines broker writes liability, physical damage and motor truck cargo coverages on trucks up to 500 mile radius. Liability limits are written to $1 million ($1,500,000 for PUC filing); physical damage, up to $100,000 or higher; and motor truck cargo to $100,000. The firm does not write livestock haulers. Principal commodities hauled are farm commodities, hay and grain. The firm services agents in IA, NE and SD. Empire Fire & Marine is the carrier.
Insur-It Agency, Inc., One Dupont St., Plainview, NY 11803; (516) 576-0999; 800-934-5688; FAX 516-576-9051 (Martin Koles). This wholesale general brokerage and surplus lines underwriter writes commercial auto and truck risks for New York brokers. It also underwrites commercial auto physical damage and motor truck cargo for surplus lines brokers outside of NY.
Commercial auto physical damage is mostly written in various Lloyd's facilities and London companies. Most commercial vehicles are acceptable including limos, long haul tractors and trailers, short haul commercial trucks, dump trucks, livestock haulers, and non-emergency medical transports. Motor truck cargo is mostly written in various Lloyd's facilities. Prefer small to moderate size risks of regular cargo where ICC or rate filings are not required.
International Brokerage and Surplus Lines, Inc., 120 E. Pine St., Ste. 11, Lakeland, FL 33801; (941) 687-2940; FAX 941-687-4684; URL: www.ibsl.com (C. Janner Holliday IV, president). This wholesale excess and surplus lines broker is a program administrator for a program for trucks known as truckers package program. It provides a package of motor truck cargo, physical damage and inland marine coverages.
The program is available to trucking risks (local, intermediate or long haul) operating in 48 states and Mexico. The firm will make ICC and state regulatory filings. Physical damage is limited to $125,000 any one unit and $175,000 any one combination. Higher limits are available. Motor truck cargo is limited to $400,000, with higher limits available on an excess or exception basis.
The program is targeted to agents and brokers in the southeastern and southwestern states, but business in other states is acceptable. The office is looking for regional wholesale brokers to distribute this package in their respective states (except FL). The program is underwritten by Sphere Drake Insurance and certain underwriters at Lloyd's.
Jackson Sumner & Associates, P.O. Box 2540, Boone, NC 28607; (704) 264-2787; 800-342-5572; FAX 704 262-0754 (Wayne L. Sumner). This excess and specialty lines broker writes local and intermediate trucking as well as long haul.
The local and intermediate program writes risks with a radius up to 500 miles in GA, NC, SC and VA. The long haul program is available only in NC. Long haul liability limits are available to $1 million; physical damage to $1 million; and motor truck cargo to $3 million.
Keith Surplus Lines Agency, P.O. Box 609, DeSoto, TX 75123; (972) 224-3542; 800-442-3307; FAX 972-224-4497 (Walter Keith). This excess and surplus lines broker writes commercial auto physical damage for Lloyd's. It is available to agents and brokers in TX. Limits available are $100,000 any one unit; $150,000 combined tractor and trailer; and $1 million per fleet.
R.E. Lee Intermediaries, 23 Corporate Plaza, Ste. 125, Newport Beach, CA 92660; (714) 760-1122; FAX 714-760-1180 (R. E. Lee, president). This excess and surplus lines broker writes all classes of trucks. Liability, physical damage and motor truck cargo facilities are virtually unlimited. The firm services agents and brokers in AZ and CA. Principal underwriters are GAINSCO and First State.
The Levings-Wilson Group, Inc., 2727 N.W. 43rd St., Ste. 5-C, Gainesville, FL 32606; (352) 338-8460; FAX 352-338-8468 (Al Levings, president). The managing general agent writes local, intermediate and long haul trucks. Classes written include dry vans, flatbeds, tankers, dump and logging. Auto haulers are a specialty class. The program is available nationally.
Liability limits may be arranged to $5 million; physical damage, $240,000 per unit, $10 million per schedule; motor truck cargo, $250,000 per unit. The program writes liability, physical damage, cargo, general liability, bobtail and trucker occupational accident. Underwriting companies include AIG, Empire Fire & Marine, Great Divide, Reliance, GRE and Lloyd's.
Litchfield Special Risks, Inc., P.O. Box 13225, El Paso, TX 79913; (915) 533-1111; 800-592-1027; FAX 915-532-9973 (Bobby Maes, president). This managing general agency writes local, intermediate and long haul trucks of all kinds. There are no liability and physical damage restrictions in terms of limits. Motor truck cargo insurance is written with various limits.
The office services business produced in NM and TX. The following companies are underwriters: Travelers Specialty (Old American in TX), Guaranty National (Viking County), Scottsdale (Colonial County),GAINSCO (GAINSCO County Mutual), Acceptance, Essex, Lloyd's.
W.E. Love & Associates, Inc., P.O. Box 1796, Burlington, NC 27216-1796; (910) 226-1191; FAX 910-229-7775 (Bernard C. Brook). The specialty managing general agent writes all types of trucks for local, intermediate and long haul operations. The firm is a program manager for seven insurers offering special trucking facilities under each program.
In general, limits available are up to $1 million trucking and general liability. Some carriers write up to $5 million on an excess or primary basis. Physical damage is available up to $1,500,000 in the Connecticut Specialty program with $250,000 available per tractor/trailer combination. Motor truck cargo limits may go up to $1 million. General liability, non-trucking (bobtail liability) and pollution coverage are also available in the truck liability and physical damage programs.
Carriers represented by Love include: (1) Connecticut Specialty (A-IX) which writes in the states of AL, AR, CT, DE, FL, GA, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NH, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV and WI; (2) Canal Insurance Co. (A+VIII) writing in IL, IN, IA, MI, MN, NC, OH, PA, SC, VA, WV and WI; (3) Everest National Insurance Co. (X-X) writing a program for hazardous materials haulers in AZ, FL, GA, IL, IN, KS, MD, MI, MN, MO, MS, ND, OH, PA, SD, TX and WI; (4) TIG Premiere Insurance Co. (A-XI) writing truckers workers compensation in AL, AK, AZ, AR, CO, CT, ID, IL, IN, IA, KS, LA, MD, MI, MN, MO, MS, MT, NC, NY, SC, SD, TX, UT, VA, VT and WI; (5) RLI Insurance Co. (A+VII) writing truckers occupational accident insurance for single owner operators and contract drivers initially in the southeastern states in 1997; (6) Stratford Insurance Co. (A+VII) writing liability and physical damage for less than long haul risks in NC and OH; and (7) Lexington Insurance Co. (A++XI) writing excess liability in all states up to $5 million.
The agency is very conscious of loss control and safety programs and conducts safety seminars for truckers, honors safe drivers, safety premium reductions, video presentations and continuing education. It conducts an annual continuing education seminar for retail agents.
LoVullo Associates, Inc., 689 Main St., Buffalo, NY 14203; (716) 856-3065; 800-876-3065; FAX 716-856-8057 (Dave Pietrowski). This managing general agent writes trucking risks operating in all radiuses. Liability limits are available to $1 million CSL; physical damage, $150,000 tractor-trailer combination; motor truck cargo, $250,000 limits. The firm services agents in NY. Underwriters include Northland and National Liability & Fire (physical damage).
Mid South Insurance Specialists Inc., P.O. Box 150606, Nashville, TN 37215; (615) 269-6155; 800-633-1552; FAX 615-269-9576 (Richard J. Petri, president). This managing general agency writes local, intermediate, long haul and public auto risks. Liability risks are written up to $1,500,000 with excess available. Physical damage is written up to $250,000; and motor truck cargo is written up to about any limit.
The firm serves agents in TN only and is appointed as an MGA for National Indemnity Co. and Northland Insurance Co.
N-Surance Outlets, Inc., P.O. Box 671377, Marietta, GA 30066-0140; (770) 971-9975; 800-366-1450; FAX 770-791-7608 (Janel Maini, vice president). This managing general agent serves agents in AR, GA and TN.
The agency writes local, intermediate and long haul liability, physical damage and motor truck cargo for sand and gravel, pulpwood, logs, livestock, dry freight and frozen foods in AR, GA and TN for the Canal Insurance Co. Liability limits up to $1 million CSL and cargo limits of $100,000. In GA and TN, local and intermediate radius trucking risks are written by the Empire Fire & Marine for liability and physical damage for sand and gravel, public autos, wreckers, gasoline haulers, ambulances, garbage trucks, mobile homes toters, dry freight and frozen foods.
Coverage is written up to $2 million CSL, physical damage and cargo (up to $250,000) and general liability in GA for the Northland Insurance Cos. for radius of 0-300 miles, 301 to 500 and unlimited mileage. Types of risks are dry freight, frozen foods, mobile home toters and public auto. Cargo up to $100,000 is written in the southeastern states for Great American Insurance Co. for dry freight and frozen food.
Pennock Insurance, Inc., P.O. Box 688, Southeastern, PA 19399-0688; (610) 975-0444; 800-662-5182; FAX 610-975-0522 (Vic Giordano). This managing general agent writes local, intermediate and long haul risks up to 1,000 mile radius. Liability, physical damage and motor truck cargo are offered, and there is no restriction on limits. The company does not write auto repossessions, chemical or fuel haulers. Pennock represents National Casualty and MGA Insurance Co. in the states of DE, MD and PA.
Princeton Risk Managers Inc., Research Park, 201 Wall St., Princeton, NJ 08540-1567; (609) 924-9222; 800-776-0099; FAX 609-924-8155 (David Griffith, vice president). This managing general agency writes local, intermediate and long haul small fleets (1-10 units) and commercial vehicles (local) for liability, bobtail/deadhead, physical damage and motor truck cargo coverages.
The firm services agents in NY, NJ and PA. Companies used are Greenwich Insurance Co. (A+), an admitted market for local radius trucks; Indian Harbor Insurance Co. (A+), surplus lines carrier for intermediate and long haul; New Hampshire Insurance Co. (A), for bobtail; and Security Indemnity Insurance Co. (B+), for commercial vehicles.
Liability limits are up to $1 million CSL; physical damage is unlimited; and motor truck cargo limits are up to $250,000 or higher. Crum & Forster is a market for motor truck cargo.
Edwin M. Rollins, Inc., P.O. Box 221389, Charlotte, NC 28222; (704) 366-7982; 800-432-7715; FAX 704-365-5817 (Edwin M. Rollins, Jr.). The managing general agent writes liability, physical damage and motor truck cargo for local, intermediate and long haul; owner operators and small and large fleets. Liability limits are $2 million primary, excess to $5 million. Motor truck cargo limits go to $500,000.
The firm operates in NC, SC and VA. Insurers represented by the office are Canal, Northland, Calvert, Northfield, Acceptance, Western Heritage and Lloyd's.
Roush Insurance Services, Inc., P.O. Box 1060, Noblesville, IN 46061; (317) 776-6880; 800-752-8402; FAX 317-776-6891 (Nyla Roush). The specialty broker writes all types of trucking risks for liability, physical damage and motor truck cargo. Liability limits are available to $1 million, with excess up to $5 million. Motor truck cargo is written with any limit available, both on a per-unit basis and on an annual sales basis. No hazardous materials risks are written.
The firm services agents in IL and IN. Companies represented include Scottsdale, National Casualty, GAINSCO, MGA Insurance Co., Nautilus and Great Divide.
Glen A. Schuberg, Inc., P.O. Box 1119, Thousand Oaks, CA 91358-0119; (805) 446-6464; 800-382-3623; FAX 805-446-6454 (Eric Schuberg) This specialty wholesale broker writes liability, physical damage and motor truck cargo coverages for local, intermediate and long haul risks. Liability limits are available to $2 million; physical damage to $150,000 per unit; and motor truck cargo, up to $500,000.
The firm services agents in AZ, CA and NV. The following companies are represented by the agency: American Reliable, Carolina Casualty, National Indemnity, Northland, Sutter and Lloyd's.
Southern General Agency, Inc., P.O. Box 2530, Bowling Green, KY 42012-2530; (502) 781-1606; 800-950-5990; FAX 502-781-3334. The managing general agency writes liability, bobtail, physical damage and motor truck cargo coverages. For liability insurance, trucks are limited to a radius of 1,000 miles.
Liability limits are available to $1 million, with excess to $5 million; physical damage, $120,000 per unit; and motor truck cargo, $100,000 per unit. The firm services agents in KY and TN. Companies represented include National Casualty/Scottsdale, GAINSCO/MGA Insurance, Great Divide, Lloyd's, United National and Reliance National.
Sovereign General Insurance Services, Inc., 7041 Koll Center Pkwy., Ste. 205, Pleasanton, CA 94566; (510) 426-8211; FAX 510-426-8213. The specialty general agency writes local, intermediate and long haul trucking for liability, general liability, physical damage and motor truck cargo lines.
Truck liability for long haul trucking is written by Empire Fire & Marine (300-mile radius and mobile home toters), Greenwich Insurance Co., Scottsdale (CA statewide or 300 miles), T.H.E. Insurance, Twin City Fire. Local and intermediate coverage is written by Empire, Greenwich, Scottsdale and T.H.E. Commercial auto lines are underwritten by Sutter Insurance Co. Physical damage carriers represented are Empire, Essex, Greenwich, Lloyd's, MOAC, Pacific, T.H.E, Sutter and United National. Inland marine (motor truck cargo) is written by Empire, Essex, Greenwich, Lloyd's, MOAC, United National and Western Heritage. The firm services agents in the western states.
Special Risk Facilities, 101 N. Wellwood Ave., Lindenhurst, NY 11757-4001; (516) 226-7200; FAX 516-226-7370 (Gary A. Hungerford, CPCU). This wholesale broker writes all types of trucking risks for physical damage and motor truck cargo coverages. The agency services agents and brokers in NJ and NY. Companies represented include Sphere, Lloyd's, Security of Hartford and Terra Nova.
Superior Underwriters, a division of Groninger & Co., Inc., P.O. Box 97024, Redmond, WA 98073-9724; (206) 643-5200; 800-782-8699; FAX 206-643-2337 (Joe Kelly). This managing general agency writes local, intermediate, long haul, seasonal haulers and public auto risks. Liability limits are available to $1 million with excess available; physical damage limits up to $1 million with excess limits; and motor truck cargo coverage to $250,000.
The firm services agents in AK, CA, ID, MT, OR, UT, WA and WY. The following carriers are represented: Travelers, Carolina Casualty, National Indemnity, Great Divide, National Liability and Columbia.
Surplex Underwriters, Inc., P.O. Box 998, Portland, ME 04104; (207) 856-0261; 800-441-1799; FAX 207-856-0260 (Denise Joy). The managing general agency writes all types of commercial auto and trucking risks on a local, intermediate and long haul radius. The firm also handles certain types of public auto risks. Liability limits are available to $1 million, with excess layers available to $10 million; physical damage limits are written to $150,000 primary with higher limits available; motor truck cargo is written to $150,000 or higher.
The firm services agents in CT, ME, NH, RI and VT. The following carriers are represented: Empire Fire & Marine, Great Divide, Twin City Fire (First State Management), American Reliable, Pacific Insurance and Nutmeg (First State Management) and Lloyd's.
Surplus Insurance Brokers Agency, Inc., P.O. Box 749, South Bend, IN 46624-0749; (219) 287-2368; 800-342-5706; FAX 800-578-7758 (Jean Allen). This specialty broker writes local, intermediate and long haul trucking risks for fleets and non-fleets, non-trucking risks, dumps, loggers, fuel haulers, wreckers, trash, sand and gravel haulers and livestock. Liability, physical damage, motor truck cargo, general liability and pollution coverages are available.
Liability limits range from $100,000 to $2 million on trucking risks; physical damage deductibles range from $100 to $5,000. The agency services agents in IL and IN. Companies represented in the office include Northland, Gryphon, First State, Guaranty National, Scottsdale and Empire Fire & Marine.
Swett & Crawford Group/Swett Insurance Managers, 21650 Oxnard St., Ste. 1600, Woodland Hills, CA 91367; (818) 348-7026; FAX 818-703-7237 (Nanci Evards, vice president). This wholesale broker and underwriting manager writes all types of trucking and commercial auto risks for local, intermediate or long haul use. Liability, physical damage and motor truck cargo coverages are available. Various offices of Swett & Crawford have submitted separate listings to indicate what limits they have available, any restrictions and the territories they cover. Most offices offer a minimum of $1 million liability limits (some up to $5 million); between $250,000 and unlimited motor truck cargo limits; and various physical damage limits.
Companies represented in the various offices include Athena Assurance (St. Paul), National Indemnity, American Equity, Northland, Empire Fire & Marine, Monticello (Jefferson Group), Genstar, Guaranty National, Canal, Legion, Reliance, Zurich, AIG, GRE, Lloyd's, Scottsdale, National Casualty, Southern County Mutual.
Swett & Crawford, 1318 E. Shaw, #280, Fresno, CA 93710; (209) 227-3535; FAX 209-227-9449 (Jerry Rudolph). No containers or sand and gravel. (AZ and CA).
Swett Insurance Managers, 2260 S. Xanadu Way, Ste. 330, Aurora, CO 80014; (303) 755-5775; FAX 303-755-6179 (Doug Sleight). Do not write fireworks, ice cream trucks, youthful drivers. (CO, NM).
Swett Insurance Managers, 18167 U.S. Hwy. 19 N., Ste. 330, Clearwater, FL 31624; (813) 536-1006; FAX: 813-530-9076 (LeAnn Yates) (FL).
Swett & Crawford, Eight Piedmont Ctr., 3525 Piedmont Rd., Ste. 210, Atlanta, GA 30305; (404) 266-0004; 800-325-3405; FAX 404-262-7829 (John Fortune). Write primarily risks over 200-mile radius. Do not write dump trucks, loggers and hazardous commodities, such as red label chemicals (AL, AR, GA, KY, MS, NC, SC, TN).
Swett Insurance Managers, 8601 W. Emerald, Ste. 170, Boise, ID 83704; (208) 376-1161; FAX 208-376-1165 (Jerry Pollard) (ID, MT, OR, WA).
Swett & Crawford, 40 Broad St., Ste. 510, Boston, MA 02109; (617) 482-4511; FAX 617-482-4635 (Gary Joyal, Ruthanne Normand). Write hazardous materials transporters (all states).
Swett Insurance Managers, 50 Monument Sq., Portland, ME 04101; (207) 774-3857; 800-341-0157; FAX 207-874-1442 (Pat Martin) (New England and NY).
Swett Insurance Managers, 1760 Telegraph Rd., Ste. 200, Bloomfield Hills, MI 48302; (248) 333-0500; 800-726-3264; FAX 248-333-1710 (Todd E. Danielson, CPCU). Write general commodities, hazardous materials, specialty haul--loggers, livestock, towing. Up to $5 million for hazardous materials and public commodities (IN, MI, OH).
Swett Insurance Managers, 109 S. 7th St., Ste. 600, Minneapolis, MN 55402; (612) 333-0361; 800-752-4251; FAX 612-333-3666 (Mike Theisen) (IA, MN, NE, ND, SD, WI).
Swett & Crawford Group, 720 Olive, Ste. 2925, St. Louis, MO 63101; (314) 231-9470; 800-332-4231; FAX 314-621-5091 (Larry Oelrich) (IL, IA, KS, MO, NE).
Swett Insurance Managers, Rosetree Corp. Center II, 1400 N. Providence Rd., Ste. 6035, Media, PA 19063; (610) 891-7171; FAX 610-891-7182 (Robert M. Dols). Liability limits available to $5 million (DE, PA).
Swett & Crawford, 1201 Elm St., Ste. 5353, Dallas, TX 75270; (214) 747-1200; 800-442-0812; FAX 214-672-2700 (Terry Holt) (TX).
Swett Insurance Managers, 4050 Innslake Dr., Ste. 161, Glen Allen, VA 23060; (804) 968-5415; 800-968-4648; FAX 804-762-9235 (Judy Stevens) (DE, MD, NC, VA).
Transcom General Agency, Inc., 330 S. Whitney Way, Madison, WI 53705; (608) 232-5330; 800-360-3303; FAX 608-232-5333 (Michael Knutson, president). This general agency writes all classes of trucking business, particularly long haul. In-house liability limits are up to $1 million, with excess/umbrellas available to $10 million. The agency services agents in IL and WI. Carriers represented include: Canal, Hartford (liability), Albany (cargo), CNA (cargo), Great Divide (liability, physical damage), Jefferson (liability, physical damage), National Indemnity (liability, physical damage) and GAINSCO (liability, physical damage).
Transportation Coverage Specialists, Inc., 17 State St., 17th floor, New York, NY 10004-1501; (212) 742-0300; FAX 212-742-1413 (Robert Fiore). This specialty underwriting manager writes trucks for auto and general liability, physical damage, trailer interchange, motor truck cargo, workers compensation, truckers occupational accident for owner operators and excess umbrella.
Minimum fleet size is 20 units. Liability limits are available to $1 million primary, with an excess umbrella program available up to $25 million. The carrier for primary insurance is TIG Insurance. Hazmat haulers are avoided. Deductibles for physical damage are $2,500, $5,000 and $10,000. Insurance program is available in all states except LA, MA and TX. General Star Indemnity provides the excess umbrella coverage.
Transportation Insurance Specialists, 930 S. Harbor City Blvd., Ste. 402, Melbourne, FL 32901; (407) 984-2980; 800-444-8474; FAX 407-676-3298 (William K. O'Brien, CPCU). This specialty underwriter handles all types of trucking risks for large fleets, small fleets, local and intermediate trucking within 300 mile radius, and commercial autos. Hazmat, dump operations and logging trucks are not written.
Liability, excess liability, physical damage, non-trucking liability and physical damage, independent contractor occupational accident, and motor truck cargo coverages are written. The firm operates in all states except CA, MA, MI, NH and NJ. Companies represented by the office are: Acceleration National (B), Guaranty National Cos. (A+); Washington International (A-) (cargo); Adriatic Insurance Co. (A-) (physical damage); United National (A+) (physical damage); Great American (A) (physical damage); American Insurance Group (A++) (truckers accident); and Lloyd's (cargo and physical damage).
United Brokers, Inc., P.O. Box 1243, New Albany, IN 47151-1243; (812) 945-2720; 800-444-4284; FAX 812-949-4015 (Kelli Crone). This wholesale broker writes all types of truckers regardless of how far they haul. Liability limits are available to $1 million. Primary liability is available only in IN, KY and OH. Physical damage and motor truck cargo are written in all states. Primary liability is written on Hartford Insurance paper. Other A-rated markets are available.
D.C. White Agency, 370 W. Park Ave., Long Beach, NY 11561-3245; (516) 431-9191; (718) 347-2999; FAX 516-431-0488 (David Isenberg, president). The excess broker writes local and intermediate business auto and truckers. No hazardous material handlers and no motor truck cargo is written. Limits of up to $1 million are available for liability and physical damage. The firm services agents and brokers in NY on behalf of Lancer Insurance Co.
J.M. Wilson Corp., 8036 Moorsbridge Rd., Portage, MI 49024; 800-666-5692; FAX 616-327-4131 (Sandy Fritz). The managing general agency writes local, intermediate and long haul trucks. Liability limits are available to $2 million CSL. Physical damage is written with deductibles from $250 and higher. No commodities requiring $5 million CSL limits are written. Cargo coverage is available up to $250,000 ($500,000 with company approval).
Agents in IL, IN, MI, MO, OH, PA, WV and WI are serviced. Companies represented include National Indemnity, Northland, Travelers, Calvert, Great American, Connecticut Specialty, Great Divide and Essex. *